American Bank N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.60 percentage points in Q2 2026, from 96.04% to 97.64%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American Bank N.A. is 72nd of 346 on loan-to-deposit ratio, 87.28% as of Q2 2026, above the middle of the field. American Bank N.A. reported 87.28% on loan-to-deposit ratio for Q2 2026, 6.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $82.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.28% |
| Net loans and leases to deposits | 86.29% |
| Loans and leases to core deposits | 97.64% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.82% | 90.75% | $0 | $0 |
| Q4 2023 | 80.13% | 90.76% | $0 | $0 |
| Q1 2024 | 84.29% | 92.71% | $0 | $0 |
| Q2 2024 | 86.68% | 93.84% | $0 | $0 |
| Q3 2024 | 86.87% | 92.36% | $0 | $0 |
| Q4 2024 | 87.83% | 91.42% | $0 | $0 |
| Q1 2025 | 85.27% | 90.65% | $0 | $0 |
| Q2 2025 | 85.40% | 90.63% | $0 | $0 |
| Q3 2025 | 84.07% | 90.80% | $0 | $0 |
| Q4 2025 | 84.72% | 90.90% | $0 | $0 |
| Q1 2026 | 86.03% | 89.57% | $0 | $0 |
| Q2 2026 | 87.28% | 89.39% | $0 | $0 |
American Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23886) · FFIEC NIC profile (RSSD 307361)